Buy a prepaid phone 0 VND suitable for customers with limited financial needs but want to buy a smartphone to serve work and study. So how is this purchase done, what are the records and procedures, you can immediately see the article of Banktop below.

What is a 0 dong prepaid phone?

What is a 0 dong prepaid phone?
What is a 0 dong prepaid phone?

Buying a prepaid phone with 0 dong is a form of installment purchase, but you will not pay any costs, but you can still own the phone you want.

After completing the installment loan application, you can immediately own your phone. The amount corresponding to the value of the product you buy will be paid monthly with a fixed time limit.

In the past, almost to buy all kinds of technology products, if you wanted to pay in installments, customers had to pay in advance 20-50% of the total value of the product. However, with the current development, financial units are also very interested in customer needs and want to create the most favorable conditions, so there are many attractive incentive programs.

Advantages of buying a prepaid phone with 0 dong

Advantages for customers when buying prepaid phones with 0 dong can include:

  • Helping customers own their favorite phone even when their budget is limited.
  • Procedures and documents for applying for installment loans are simple and approved immediately.
  • Stable interest rate, can enjoy many incentives with loan interest rate only 0%.

Distinguish between buying a prepaid phone with 0 dong and buying a phone with 0% installment

Buying a phone with 0 dong prepaid and buying a phone with 0% installments both bring great benefits to customers. However, you should clearly distinguish these two concepts as completely different, specifically:

  • Buying a phone prepaid 0 dong means you don’t have to pay a fee to buy the product. But the total amount of the product you buy with interest will be added together and you will have to make monthly payments until the end of the loan contract.
  • For the form of buying a phone with 0% interest installment payment, it is different. You will be able to buy products with 0% interest and pay monthly, but when you apply for a loan, you will have to pay in advance 20-50% of the total value of the product or will have to bear other fees included in the contract. co-borrower.

Conditions for buying a prepaid phone 0 VND

Conditions to buy a phone with 0 dong prepaid, you need to fully meet the following conditions when making a loan application:

  • Customers aged 20 years or older, are Vietnamese citizens.
  • Have full personal papers such as valid ID/CCCD, Passport.
  • Attached documents such as household registration book, salary sheet, labor contract, electricity and water bill, etc. if required.

Documents to prepare when buying a prepaid phone 0 VND

When you have met the conditions to get a loan to buy an installment phone, you need to prepare the following documents and procedures before applying for a loan, including:

  • Installment loan contract at the unit, bank (will be provided by the lending department).
  • Personal papers such as valid ID/CCCD.
  • Copy of household registration book, certificate of temporary absence in the locality.
  • Some other documents such as payroll, labor contract, car papers, driver’s license, etc.

Interest rate when buying a prepaid phone 0

Interest rates when buying a phone with 0 dong prepaid at financial institutions will range from 3.22 to 5.22%/month depending on the loan term.

The most detailed process of buying a 0 dong prepaid phone

The most detailed process of buying a 0 dong prepaid phone
The most detailed process of buying a 0 dong prepaid phone

To register for an installment loan on how to buy a phone with 0 dong prepaid, follow the detailed process as follows:

  • Step 1: Visit the main website of the support unit for buying installment phones. Specifically like https://www.thegioididong.com/ or https://fptshop.com.vn/
  • Step 2: You go to the Phone section and select the location where you live. Click on the box “Prepay 0 VND”. Here will display the phone products supported prepaid 0 VND you can refer.
  • Step 3: Once you have selected the phone you want to buy, select “Buy in installments” and follow the instructions to go directly to the store/supermarket to make an application.
  • Step 4: Bring personal documents related to the loan application directly to the unit to be instructed by the staff on how to register in detail. If your application is approved, you will receive an immediate phone call and a note on how long it will take to pay on time each month.

Should I buy a 0 dong prepaid phone?

Owning a smartphone will bring a lot of benefits when using it. In addition to using it when studying and working, you can also use it to surf the web, relax and update information daily when connected to the network. Therefore, customers with limited financial resources often choose to buy phones first and pay later.

Although interest will be included when you buy a phone on installment, it will not cause too much financial pressure because the payment period can last from 6 to 12 months, making it easy for you to rotate your capital and balance your payment. for financial stability.

In addition, today there are also many relatively cheap phones with a variety of prices. Depending on your finances to choose the right phone product and apply the form of buying a prepaid phone with 0 dong supported by the units.

Experience buying a prepaid phone 0 VND

What should you pay attention to when buying a prepaid phone with 0 dong? Here are a few things we want you to know:

  • Choose a reputable installment loan support unit today to make registration documents.
  • Prepare all documents and procedures before going directly to the store/supermarket to make an installment loan application.
  • Read the terms carefully before signing the loan contract, you should pay attention to the interest rates and other fees mentioned. If you have any questions, ask the support staff immediately.
  • Note the time to pay the loan on time according to the contract to avoid incurring penalty fees. The slower you pay, the more the penalty will increase and affect your credit score later on.

Conclusion

The purchase of a prepaid phone with 0 dong meets a lot of the needs of interested customers. And the above post by Banktop also introduced the detailed content of this loan form so that readers can understand clearly. If you are interested and want to buy a phone with 0 dong prepaid, please take a look at the conditions, procedures and processes when applying for an installment loan.

The article was edited by: Banktop.vn

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